About AmarthaAt Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.About the RoleAs Head of Collection Strategy at Amartha, you will lead the end-to-end strategy and execution of collections and recovery across our group lending and digital financing products. Your work will directly support our mission to empower micro-entrepreneurs, especially women in underserved areas, while ensuring portfolio quality and regulatory compliance. This role requires a strategic mindset, strong leadership, and the ability to balance recovery efforts with customer empathy and operational excellence.What You Will DoStrategic LeadershipDevelop and implement a comprehensive collections and recovery strategy aligned with company objectivesDesign and execute segmentation-based collection treatments based on collectability, demographic area, customer behavior, and product typesDrive digital transformation and automation in collections and recovery processesSet targets and KPIs for the collections team in alignment with company objectivesOperational ExcellenceOversee all collections operations—early-stage, mid-stage, and late-stageManage and evaluate tele-collection and third-party collection agenciesEnsure timely and accurate execution of collection activities in line with SOPs and compliance standardsEnsure all collection activities align with company policies, industry best practices, and regulations (OJK & AFPI) Data & AnalyticsCollaborate with risk and analytics teams to build robust credit and collections scorecardsMonitor portfolio performance metrics including delinquency rates, roll rates, cure rates, and recovery yieldUse data insights to continuously refine and optimize collection strategiesGenerate regular reporting dashboards and present performance to executive leadershipTeam & Stakeholder ManagementDrive productivity, motivation, and training & mentoring programs to enhance collection effectivenessPartner with other departments such as Lending Business, Risk, Data, Fraud Control Unit, Operations, and Product & Engineering to ensure a holistic approach to debt management and improve collection process & recovery Requirements Bachelor's degree in Finance, Business Administration, Law, or a related field (Master’s degree is a plus) 8–15 years of experience in collection or accounts receivable management, with at least 3–5 years in a managerial or leadership role Preferred industry experience in Financial Services, Fintech / Digital Lending, Microfinance (especially Grameen / Group Loan), or Retail Banking / Consumer Credit Proven track record in managing large-scale collection teams and improving recovery performance Strong understanding of consumer credit, risk management, and regulatory frameworks (especially for unsecured or micro-financing) Familiarity with collection systems and analytics tools Excellent leadership, analytical, and problem-solving skills Excellent stakeholder management, communication, and negotiation skills Able to work under pressure and in a target-driven environment
About Amartha
At Amartha, we empower micro-businesses across Indonesia, enabling growth and equal prosperity. We’ve supported over 2.7 million entrepreneurs—mostly women—by disbursing IDR 22.8 trillion in funding. As we step into 2025, Amartha is evolving into a technology-driven financial ecosystem, expanding our reach in lending, funding, and payments. Through innovation and digital solutions, we aim to enhance accessibility, streamline processes, and create a seamless user experience.
About the Role
As Head of Collection Strategy at Amartha, you will lead the end-to-end strategy and execution of collections and recovery across our group lending and digital financing products. Your work will directly support our mission to empower micro-entrepreneurs, especially women in underserved areas, while ensuring portfolio quality and regulatory compliance. This role requires a strategic mindset, strong leadership, and the ability to balance recovery efforts with customer empathy and operational excellence.
What You Will Do
Strategic Leadership
- Develop and implement a comprehensive collections and recovery strategy aligned with company objectives
- Design and execute segmentation-based collection treatments based on collectability, demographic area, customer behavior, and product types
- Drive digital transformation and automation in collections and recovery processes
- Set targets and KPIs for the collections team in alignment with company objectives
Operational Excellence
- Oversee all collections operations—early-stage, mid-stage, and late-stage
- Manage and evaluate tele-collection and third-party collection agencies
- Ensure timely and accurate execution of collection activities in line with SOPs and compliance standards
- Ensure all collection activities align with company policies, industry best practices, and regulations (OJK & AFPI)
Data & Analytics
- Collaborate with risk and analytics teams to build robust credit and collections scorecards
- Monitor portfolio performance metrics including delinquency rates, roll rates, cure rates, and recovery yield
- Use data insights to continuously refine and optimize collection strategies
- Generate regular reporting dashboards and present performance to executive leadership
Team & Stakeholder Management
- Drive productivity, motivation, and training & mentoring programs to enhance collection effectiveness
- Partner with other departments such as Lending Business, Risk, Data, Fraud Control Unit, Operations, and Product & Engineering to ensure a holistic approach to debt management and improve collection process & recovery
Requirements
- Bachelor's degree in Finance, Business Administration, Law, or a related field (Master’s degree is a plus)
- 8–15 years of experience in collection or accounts receivable management, with at least 3–5 years in a managerial or leadership role
- Preferred industry experience in Financial Services, Fintech / Digital Lending, Microfinance (especially Grameen / Group Loan), or Retail Banking / Consumer Credit
- Proven track record in managing large-scale collection teams and improving recovery performance
- Strong understanding of consumer credit, risk management, and regulatory frameworks (especially for unsecured or micro-financing)
- Familiarity with collection systems and analytics tools
- Excellent leadership, analytical, and problem-solving skills
- Excellent stakeholder management, communication, and negotiation skills
- Able to work under pressure and in a target-driven environment
